Why do contractors in Ontario need insurance?

Contractors in Ontario need insurance to protect their businesses and employees from financial loss due to accidents or damage to property. In many cases, it’s also required by law or by clients as a condition of doing business.

What types of coverage are included in contractors insurance?

Contractors insurance can include a range of coverage options, including general liability, commercial auto, workers’ compensation, and more. The specific types of coverage included in a policy will depend on the needs of the contractor and the nature of their business.

How much does contractors insurance cost?

The cost of contractors insurance in Ontario can vary depending on a range of factors, including the type and amount of coverage needed, the size of the business, and the level of risk associated with the work being performed. A broker can help contractors find a policy that meets their needs and budget.

Can contractors insurance cover equipment and tools?

Yes, contractors insurance can include coverage for equipment and tools used on the job site or at the contractor’s facility. This can help protect against loss or damage due to theft, vandalism, or other types of incidents.

Can I customize my contractors insurance in Ontario to fit my specific needs?

Yes, you can customize your contractors insurance in Ontario to fit your specific needs. Working with an experienced insurance provider can help ensure that you get the right coverage for your business at a price that works for you.

Contractors Insurance Ontario

Contractor Insurance Service

Regardless of the industry you operate in as a contractor, you need to consider insurance options in order to safeguard the business you have spent a lot of time and effort building up.

Contractor liability insurance in Ontario is all about protecting yourself, your workers and your tools of the trade both on the job site and at your facility. Coverage options can be tweaked in order to find something that perfectly fits the sector you operate in, so you will be adequately covered. In order to get the process started, give us a call and we will get you the contractor’s insurance quotes you need to make an informed decision.

As for the types of contractors we can help. The following provides an example:

Renovators
Carpenters
Chimney cleaners
Satellite dish installers
Electricians
Drywallers
Floor installers
Interior decorators
Painters
Plumbers
Landscapers
Roofers
Window cleaners

This does not mean that the aforementioned contractor types are all we cover. If you do not see your line of work listed, contact us and we will let you know if the insurers we work at cover the specific field you operate in.

Since there are so many different things to consider, it’s essential that you to talk to an experienced broker like W.B. White Insurance. We can find you the contractor liability insurance you require to mitigate all of the risks that could potentially jeopardize your entire operation. As a contractor in Ontario, you have plenty of things on the go, and you do not want to risk your business prospects by being unprepared to deal with any problems that crop up. Contractor liability insurance as well as professional liability insurance will give you the protection that you need.

Benefits of Contractors Insurance

Benefits of Contractor Insurance

One of the reasons why contractor liability insurance is so critical is that it will provide you with recourse if there is a dispute with a customer. Whether something happens that makes it hard to achieve the agreed upon deliverable or one of your workers does something to upset a client, you could find yourself on the receiving end of a civil lawsuit. Contractor insurance will help to cover associated court and settlement costs.

Another benefit of contractor insurance is the completed operations coverage. If you complete a project and, down the road, a problem arises that results in the injury of the customer, you can be protected by your policy coverage. As well, you can cover property, business interruptions and equipment failure to protect your investment and give yourself peace of mind. So contact us today for contractors insurance quotes that will give you the coverage you want in Ontario.

In terms of how much you will pay for contractor insurance, the answer is that it will depend. Factors that will determine the amount you will have to pay include where you operate, the sector, the size of your business and the liability limit.

You work too hard to take on undue risks. Give us a call today to figure out what sort of coverage you need, and we will get you competitive contractors insurance quotes.

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We’ve got the insurance you need.

At W.B. White Insurance, we offer a wide range of options for industrial insurance. Whether you require industrial insurance in the construction, concrete or contractor spaces, we can help you to get the right industrial insurance to meet your unique needs. Teaming up with the most reputable insurers in the marketplace means that we will be able to get your coverage from an industrial insurance agency that understands your business and your needs.

The sorts of industries that we can help include, but are not limited to, the following:

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Gary Thompson

2024-04-19

I have been dealing with W B White Insurance since the mid 1980's, around 40 years. In all these years they have always been attentive to my needs. Always made me feel an important client to them. Their premiums have always been fair, both home and auto. And yes I have periodically checked with other insurance agencies over the years to ensure that is the case. Good service and good premiums are important (price is not always everything). Recently, I had cause to make some changes to my auto insurance plan and was extremely happy with the service I received. My current Account Manager and has been for several years now, Michelle Hughes, handled things promptly, made the changes happen almost instantly. She is a real pleasure to deal with and makes things so easy for me. I am and will continue to not only be a client of W B White, but will also ensure I continue to recommend them to friends/family and neighbours. Gary

Al Muise

2024-04-01

The best insurance company I’ve ever dealt with . Great customer service and amazing people ( my broker is Michelle Huges) Honest people doing exceptionally great work to save me money and keeping me protected.

Richard Yaworski

2023-11-03

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2023-09-20

Alanna has been attentive, easy to talk too and quick to answer any questions and concerns. I felt like she has truly gone above and beyond to take care of all my needs and wants when it comes to coverage. I want to provide the best I can for my staff, and make sure they and their families have sufficient coverage should anything happen. You need to trust your provider and broker. I can honestly say I trust Alanna 100% . Thank you !